I was offered monthly payment without my knowledge. Why does the app frequently show default routines?

The main reason is that many Internet platforms have begun to promote credit lending services, so some platforms use their own advantages to enable loan services for users by default. Recently, a Meituan user said that when he was using Meituan to order food, he was enabled by default for Meituan Monthly Payment. During the whole process, he was unaware of it. He only realized it when he received a text message on his phone. I have opened the credit loan of Meituan, and the loan has been generated. Although the woman checked on the software, she discovered that when she ordered takeout, she was defaulted to Meituan Monthly Payment and paid directly with a loan, without her knowledge. If there is no mobile phone text message reminder, you may be overdue without knowing it. There are more than 20,000 online complaints about related incidents. These complaints are basically concentrated between the end of last year and this year, and this period coincides with the launch of Meituan Monthly Payment.

Many users posted on the Internet that they had activated Meituan Monthly Payment without knowing it, and there was no SMS notification. As a result, it was overdue. In the end, she communicated with customer service for a long time before signing up on the platform. The overdue record was eliminated on the platform. Fortunately, the information was not recorded in the credit report. Although this matter was resolved, the user was still dissatisfied with the forced activation and believed that the platform violated the user's rights. When the user questioned the customer service, if identity authentication is not required to open the loan service, the customer service later said that this is a special service for high-quality customers. Many users have reported that Meituan often packages these Meituan Monthly Payment services into promotional activities, such as receiving red envelopes, etc. But after you click in, you will be asked to activate Meituan Monthly Payment. If you don’t see clearly, , after clicking the button, the business will be activated directly without any other prompts. When making subsequent purchases, Meituan Monthly Payment will also be used as the first payment option.

Industry insiders said that in fact, similar things like Meituan are not uncommon in the industry. Many applications have various default renewal functions. For example, users said that a Meitu software shows a free trial. After users use it, they find that it is a free trial at the beginning, and then the membership fee will be deducted directly by default. It turns out that the automatic renewal terms are written in small letters at the bottom of the page. In other words, once you start the trial, automatic renewal will be turned on by default, and the platform will deduct money directly from your bank card.

A lawyer said that this practice is definitely illegal and is clearly misleading consumers. Regulators should strengthen penalties for such incidents and strictly supervise relevant application companies.